State credit union · Muscle Shoals, Alabama · NCUA charter #61474
Railway Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $20.1M
- Total assets
- 1,366
- Members
- 21.9%
- Net-worth ratio
Railway Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.1M; members 1,366; net-worth ratio 21.95%; health rank #1,881 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,881 of 4,374 health · 2025Q4Railway Employees · health 85/100 · $20.1M · 2025Q4
Call Report peers
Railway Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Railway Employees vs every NCUA-scored credit union
Railway Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Railway Employees diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 21.95% vs peer 14.86% (+7.09 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.37 pp (37.43% vs 59.80%).
Railway Employees: in-state Call Report ranks
- Alabama health ordinal: #36 of 89.
- Alabama assets place: #61 of 89.
- Member book place in Alabama: #68 of 89.
- One place up in Alabama, TVH (#35) scores 86/100, 1 point higher; one place down, Blue Flame (#37) ties at 85/100.
Railway Employees Call Report trajectory
Railway Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $20.1M (2025Q4) to $21.0M (2026Q1).
- Net-worth ratio shifted -0.71 pp (22.66% → 21.95%).
This credit union's 21.95% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Railway Employees gives up 15 points in total. Member Growth costs the most, 9.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 9.7 pts
Railway Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.95% | +7.09 pp |
| Delinquency Rate | 0.39% | -0.76 pp |
| Return on Assets | 0.72% | +0.02 pp |
| Member Growth | -2.08% | - |
| Loan-to-Share Ratio | 37.43% | -22.37 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Railway Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.0M | - |
| 2025Q4 | $20.1M | 1,366 |
| 2024Q4 | $18.0M | 1,395 |
| 2023Q4 | $17.5M | 1,446 |
Credit Union Details
- Charter Number
- 61474
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Muscle Shoals
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Railway Employees, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main (Main Office) | Muscle Shoals, AL |
| Fi-Serv Portico | Berkeley Heights, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Railway Employees ranks #1,881 of 4,374 nationally on financial health and #36 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- East Alabama Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with East Alabama Community
Frequently Asked Questions
Is Railway Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Railway Employees scores 85/100 (Excellent), with a 21.95% net worth ratio and 0.39% of loans delinquent. It ranks #1,881 of 4,374 nationally on health and #36 of 89 in Alabama.
How does Railway Employees compare to other credit unions?
Railway Employees scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (21.95% vs 14.86%). Its widest shortfall is loan-to-share ratio (37.43% vs 59.80%).
How can I join Railway Employees?
Membership eligibility for Railway Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Railway Employees directly for current membership requirements and application steps.
Is my money safe at Railway Employees?
Railway Employees is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Railway Employees's net worth ratio of 21.95% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.